Consumer Loan Servicer

JOB REQUIREMENTS: Position Summary: This position is directly

responsible for performing day-to-day tasks in several highly visible

servicing processes; including handling member inquiries or problems and

maintenance of consumer loan files. Principal Duties and

Responsibilities: Provide timely and professional service to members and

team members by responding to consumer loan inquiries and requests via

phone, email, and mail; research and resolve account and servicing

issues accurately and efficiently. Process and maintain collateral

documentation for automobiles, motorcycles, light trucks, and other

secured consumer loans, including registrations, title work, lien

additions, lien releases, through the Department of Transportation.

Monitor lien perfection; maintain and review missing lien report and

conduct weekly and monthly follow-up on outstanding or incomplete lien

perfections. Perform daily consumer loan servicing activities throughout

the life of the loan, including payment processing, account maintenance,

payment reversals, automatic payment changes or skips, payment

deferrals, extensions, and other approved loan modifications. Process

credit report monitoring and maintain error logs; research and address

reporting discrepancies in accordance with applicable policies and

regulatory requirements. Complete daily DRA clearing and balancing

activities; research and resolve discrepancies to ensure accurate loan

and general ledger records. Prepare and distribute required loan

correspondence and notices, including CUDL welcome letters, adverse

action notices, spousal notices, payment-related correspondence, and

Other Required Member Communications. Perform Collateral Protection

insurance (CPI) servicing activities including communicating with

members and insurance providers, processing refunds and recasts,

updating loan records, and resolving insurance-related issues. Review

consumer loan documentation for accuracy, completeness, and compliance

with established policies and procedures; identify missing or incorrect

documentation and coordinate appropriate follow-up. Assist with audits

and quality assurance reviews, and research requests by providing

accurate loan documentation, account information, and supporting

records. Complete month-end reconciliation and balancing for GAP,

warranty, and debt protection products, researching discrepancies and

ensuring accurate posting and reporting. Monitor and resolve

vehicle/title-related errors and exceptions, including maintaining the

VITU error log and following up with appropriate parties to ensure

timely resolution. Perform other duties as required and assigned. Work

Relationships and Scope: Reports directly to the Consumer Lending

Operations Manager. Will have regular contact with members and employees

of the Lending Department. Performance Dimensions: Must maintain the

integrity of confidential business information and follow all guidelines

on confidentiality. Provide outstanding services to co-workers &

members. Possess the ability to attend to numerous details with frequent

interruptions under the stress of maintaining courteous, effective, and

timely relations with a variety of individuals and personalities.

Promotes quality, accuracy, timeliness, reliability, and thoroughness of

work performed. Is punctual, flexible, reliable, and demonstrates a

friendly and helpful attitude. Possess ability to gain the trust and

respect of members, management, and employees. Also maintains a

positive, professional, team-oriented working relationship with staff

and outside vendors. Enhance job growth through continuing education, as

required or necessary. \*\*\*\*\* OTHER EXPERIENCE AND QUALIFICATIONS:

Two to three years of experience in consumer lending and/or processing

Is Preferred. Previous Experience In a Financial Institution Preferred.

Excellent communication skills and proven effectiveness in working with

management, loan origin tors, and loan applicants. Also work in

courteous, respectful, and efficient manner with all co-workers.

Comprehend consequences of various situations and refer them to the

appropriate staff for resolution. Manage personal workflow and meet

deadlines by being organized, detailed, and task-oriented. Ability to

work with a wide range of personalities in a courteous, effective, and

efficient manner. Knowledge and ability to apply current financial

service industry standards, laws, and regulations. Ability to present

ideas, report facts and other information clearly and concisely.

Proficient knowledge of the Microsoft Suite (Outlook, Word, Excel,

PowerPoint). Proficient operation of a variety of general office

equipment such as a computer, software applications, typewriter,

calculator, telephone, copy machine, fax machine and other similar

devices or programs related to the position. \*\*\*\*\* APPLICATION

INSTRUCTIONS: Apply Online:

https://recruiting.paylocity.com/recruiting/jobs/All/b9944418-e383-4000-853f-3d5b60a36394/Westby-Coop-Credit-Union